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Study and training loan repayment calculator

Estimate the compulsory repayment amount required for your study or training loan.

Last updated 30 October 2025

This calculator won't be updated with the reduced compulsory repayments until 1 July 2026. Until then, you can get an estimate using the Department of Education's Reduction and repayment estimatorExternal Link.

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Study and training loan repayment calculator

What you can do with this calculator

This calculator gives you an estimate of the compulsory repayments and overseas repayments for study and training loans, based on the information you provide. We will work out the exact amount of your compulsory repayment or overseas repayments after you lodge your income tax return.

The calculator provides estimates for your compulsory repayments for the following loan accounts:

  • Higher Education Loan Program (HELP)
  • VET Student Loan (VSL)
  • Student Financial Supplement Scheme (SFSS)
  • Student Start-up Loan (SSL)
  • ABSTUDY Student Start-up Loan (ABSTUDY SSL)
  • Australian Apprenticeship Support Loan (AASL) – previously known as Trade Support Loan (TSL).

The calculator also provides estimates for your overseas repayments for the following loan accounts:

  • HELP
  • VSL
  • AASL.

If you have more than one loan type, your compulsory repayments are used to pay off your loans in the following order:

  1. HELP
  2. VSL
  3. SFSS
  4. SSL
  5. ABSTUDY SSL
  6. AASL.

Help using this calculator

For more information, see:

QC17080